Dealing with the auto insurance company of the other driver you were involved with can have its challenges. Their priority is to spend as little as possible on you. If you do not agree with their insurance adjuster about the value of your claim, you have the right to dispute the report. Explain your concern with the adjuster in a calm but firm manner. It may be because they are not willing to pay for property damage, or the amount is too low.

What you can do is to hire an independent auto mechanic, not connected to any insurance company, to evaluate your vehicle and write a report with the amount it would take to fix the damages. Send this report to the other driver’s insurance company.

Another option is to hire an independent appraiser to do an independent report on the value of damages on your car. Independent appraisers are experts in assessing the value of vehicles and the cost of repair for damages. They are also knowledgeable about the insurance industry and know how to help you get the settlement you deserve. Hiring an independent appraiser would cost you, but it would be worth it if it will help you get a better amount from your claim.

You may also opt to go to the small claims court. It would be better to do this together with your lawyer. However, keep in mind that small claims courts have a maximum amount, which is varies depending on the state.

The most extreme and costly option is to dispute the report with a lawsuit. This is a risky move because if you lose the case, you will have lost money for the court expenses and your claim will still not be adjusted.

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